Organising your travel insurance early on in your holiday planning can save you money in the long run and ensure you don’t miss anything in the small print that leaves you worse off if you need to make a claim.
The type of travel insurance you need will depend on what you have planned for your holiday. Consider whether it’s a domestic or international trip, how long you’re going for, what you’re doing, whether you’re taking valuables and whether you have any medical conditions.
We’ve rounded up some of the best travel insurance plans you can buy right now, no matter your answers to the above.
Compare International Travel Insurance Plans
To get a quote, enter your trip details, any itinerary details that might affect the plan and any pre-existing health conditions. The below are what you’ll be covered for if you opt for the most comprehensive travel insurance plan. You can also choose to buy an annual multi-trip insurance plan and a medical-only plan.
Southern Cross Travel InsuranceÂ
Medical expenses: Unlimited
Cancellation expenses: $2,500
Baggage expenses: $25,000
Medibank Comprehensive
Medical expenses: Unlimited
Cancellation expenses: Unlimited
Baggage expenses: $15,000
1Cover Comprehensive
Medical expenses: Unlimited
Cancellation expenses: Unlimited
Baggage expenses: $15,000
Cover-More Comprehensive+
Medical expenses: Unlimited
Cancellation expenses: $500 with the option to add extra
Baggage expenses: $25,000
AHM Comprehensive
Medical expenses: Unlimited
Cancellation expenses: $3,000 with the option to add extra
Baggage expenses: Varies
Bupa Platinum
Medical expenses: Unlimited
Cancellation expenses: Unlimited
Baggage expenses: $12,000
Rental vehicle excess: $10,000
Compare Domestic Travel Insurance Plans
Your cover will depend on the policy you take out, but domestic travel insurance generally covers you for cancelled flights, lost, damaged or stolen luggage and car hire excess. It usually doesn’t provide cover for unexpected medical expenses, since you can still use Medicare or private health insurance for this.
Bupa Domestic
Missed connections: $3,000
Baggage expenses: Up to $6,000
Rental vehicle excess: $10,000
Medibank Domestic
Cancellation expenses: Unlimited
Baggage expenses: $8,000
Rental vehicle excess: $5,000
Australia Post Domestic
Cancellation expenses: $10,000
Baggage expenses: $6,000
Rental vehicle excess: $10,000
Fast Cover Domestic Plus
Cancellation expenses: Unlimited
Baggage expenses: $7,500
Rental vehicle excess: $5,000
NRMA Domestic Comprehensive Plan
Cancellation expenses: Unlimited
Baggage expenses: $8,000
Rental vehicle excess: $3,000
People’s Choice Domestic Plan
Cancellation expenses: Varies
Baggage expenses: $8,000
Rental vehicle excess: $10,000
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